Stewardship over sales
Every recommendation is built around the family, not the script. You get context, explanation, and room to think.
Licensed financial strategists
Two sisters. Clinical training. Lived experience. Preparation that protects your family.
Chrispina & Theodora Chitemerere help immigrant and first-generation families build life insurance plans they understand, can find, and can rely on when life turns hard.
Licensed. Lived through it. Listening.
About the practice
For families doing a lot for the first time.
This practice is built for immigrant and first-generation families balancing children, aging parents, a mortgage, and the quiet pressure of getting everything right without a roadmap.
The Sisters do not lead with policy jargon. They lead with preparation, because a good life insurance plan should not only protect income. It should reduce confusion, lower family stress, and make sure the right people know what to do when the moment is heavy.
Clarity without condescension
The Sisters translate policy mechanics into plain language so your family understands what was chosen and why.
Family-shared preparation
The plan is meant to be usable in real life, by spouses and adult children, not only understood by the person who bought it.
Built for the families building everything for the first time.
Two nurses. One plan. A story lived from both sides of the bed.
About The Sisters
A founder story rooted in care, not performance.
Chrispina and Theodora Chitemerere are sisters, retired nurse practitioners, and now financial strategists who help families prepare for what life brings. Their work began with their own story: when Theodora was diagnosed with multiple myeloma, the two of them lived, from both sides of the hospital bed, what it means to face the unexpected — and what a real plan is worth when everything else is uncertain.
What sets them apart isn't a license — every agent has one of those. It's two careers spent caring for people, a season lived through together, and a shared conviction that preparation is dignity. They treat every conversation as stewardship: unhurried, specific, and built around the family, not the script.
Clients come to The Sisters for guidance that feels steady. They leave with a clearer plan, a better sense of what their coverage does, and the relief of knowing their family would not be left to sort everything out in the dark.
Services
Three ways The Sisters help families prepare well.
The offers are not built as pricing tiers. They are built as tiers of care, with a clear next step and room for the family to move at the right pace.
The Family Conversation
A first conversation shaped by three questions: who you are protecting, what would change if something happened, and what has stopped you from doing this before.
The Family Protection Plan
A life insurance recommendation designed around what your household actually needs, plus a summary your spouse or adult child can use in a crisis.
The Annual Review
Coverage should keep up with real life. This annual review helps adjust the plan as children grow, debt changes, and family responsibilities shift.
Family protection calculator
A practical DIME estimate for the coverage your family may need.
This calculator uses the DIME method — Debt, Income, Mortgage, Education — to give a rational starting point. It is not a quote. It is a conversation starter your family can understand.
Estimated starting range
$0
Enter your details to see a practical DIME estimate and what it means for your family.
- Debt protection clears what you owe so your family starts clean.
- Income replacement (10x) gives the household time to recover and reorganize.
- Mortgage payoff keeps the family in their home.
- Education funding ($250k per child) protects your children's runway.
This estimate gives you a practical starting point. A personalised consultation can turn this into a real action plan.
Testimonials
What families remember most is how the conversation felt.
"For the first time, this actually made sense."
Chrispina explained what we were buying in plain language. She did not rush us, and she never made us feel embarrassed for asking basic questions. We left knowing what our plan covered and where everything should live.
"It felt like someone was finally on our side."
We had put this off for years because every insurance conversation felt like pressure. The Sisters changed that. They asked about our family first, then helped us choose something we could actually understand and afford.
"My husband knows exactly what to do now."
The one-page family summary mattered more than I expected. It brought relief. We now know who to call, what the policy is for, and how to find the documents without scrambling in a hard moment.
Questions families ask
Clear answers before anyone makes a decision.
Most people are not avoiding this conversation because they do not care. They are avoiding it because the process feels unclear, rushed, or overly sales-driven. This section is here to lower that friction.
It is a 45-minute conversation focused on who you are protecting, what would change if something happened to you, and what has made this decision hard so far. There is no pressure to buy on the spot.
Yes. Most families start there. The Sisters will walk you through the difference in plain language so the recommendation fits your stage of life instead of adding more confusion.
No. The process is patient by design. The goal is to help you understand your options well enough to make a clear family decision, not a rushed one.
That depends on your needs, but most families can move from first conversation to a clear recommendation within a short, manageable timeline. The pace depends on the complexity of your household and how quickly you want to move.
Yes. A major part of the value is cultural fluency and translation without talking down to people. The process is designed to create understanding, not perform expertise at your expense.
Book the Family Conversation. You do not need to know exactly what coverage you want before reaching out. You only need to be willing to start the conversation.
Book your next step
You do not need to solve everything today. You do need a plan your family can find.
If something hard happened tomorrow, the people you love should not have to guess what you meant to put in place. Start with a calm conversation and leave with clarity.